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    • Hi I have to agree with @unclebulgaria67 post#3 For the funding side of moving to a new area and it being private supported accommodation I would also suggest speaking to private supported accommodation provider about funding but also contact the Local Council for that area and have a chat with them about funding because if you are in receipt of Housing Benefit certain Supported Accommodation that meets a certain criteria is treated as ‘exempt accommodation’ for Housing Benefit purposes but you need to confirm this with that relevant Council in your new area especially since it is Private Supported Accommodation as each Council can have slightly different rules on this. If you have a certain medical condition look up the charities and also have a wee chat with them as they may be able to point you to different Grants to assist with moving costs and your question about funding for private supported accommodation as well.
    • Hi Just to be clear a Notice to Quit is only the very start of the Housing Association going down the Eviction route there is a long process to go. Also to be clear if you leave at the Notice to Quit date only and go to the Council claiming you are Homeless they will more than likely class you as Intentionally Homeless therefore you have no right to be given temporary housing by the Council. The only way that works is when the Court has Granted a Possession Order then you can approach the Council as Homeless with the Court Order. As for the Housing Association issuing the Notice to Quit because there investigation has proved it's not your main residence but you have witness statement to prove otherwise. From now on with the Housing Association you need to keep a very good paper trail and ensure to get free proof of posting from the post office with anything you send to them. You now need to make a Formal Complaint to the Housing Association and please amend the following to suit your needs:   Dear Sir/Madam FORMAL COMPLAINT Reference: Notice to Quit Letter Dated XX/XX/2024, Hand Delivered on XX/XX/2024 I note in your letter that you stated that the Housing Association has carried out an investigation into myself and came to the conclusion that I am not using this property as my main residence and have evidence of this and have therefore issued a 'Notice to Quit' by XX/XX/2024. I find the above actions absolutely disgraceful action by the Housing Association. 1. Why have I never been informed nor asked about this matter by my Housing Officer. 2. Why have I never been given the opportunity to defend myself before the Housing Association out of the blue Hand Delivered a Notice to Quit Letter. 3. I have evidence and witnesses/statements that prove this is my Main Residence and more than willing provide this to both the Housing Association and the Court. I now require the following: 1. Copy of your Complaints Policy (not the leaflet) 2. Copy of your Customer Care Charter (not the leaflet) 3. Copies of your Investigation into this not being my main residence.    As well as the above you need to send the Housing Association urgently a Subject Access Request (SAR) requesting 'ALL DATA' that simple phrase covers whatever format they hold that in whether it be letters, email, recorded calls etc. The Housing Association then has 30 calendar days to respond but that time limit only starts once they acknowledge your SAR Request. If they fail to respond within that time limit its then off with a complaint to the Information Commissioners Office (ICO).     
    • Hi Sorry for the delay in getting back to you The email excuse and I do say excuse to add to your account and if court decide LL can't recoup costs will be removed is a joke. So I would Ask them: Ask them to provide you with the exact terms within your Tenancy Agreement that allows them to add these Court Fees to your Account before it has been decided in Court by a Judge. Until the above is answered you require these Court Fees to be removed from your Account (Note: I will all be down to your Tenancy Agreement so have a good look through it to see what if any fees they can add to your account in these circumstances)
    • Thank you for your responses. As requested, some more detail. Please forgive, I'm writing this on my phone which always makes for less than perfect grammar. My Dad tries but English not his 1st language, i'm born and bred in England, a qualified accountant and i often help him with his admin. On this occasion I helped my dad put in his renewal driving licence application around 6 weeks before expiry and with it the disclosure of his sleep apnoea. Once the licence expired I told him to get in touch with his GP, because the DVLA were offering only radio silence at that time (excuses of backlogs When I called to chase up). The GP charged £30 for an opinion letter on his ability to drive based on his medical history- at the time I didn't take a copy of the letter, but I am hoping this will be key evidence that we can rely on as to why s88 applies because in the GP opinion they saw no reason he couldn't drive i need to see the letter again as im going only on memory- we forwarded the letter in a chase up / complaint to the DVLA.  In December, everything went quiet RE the sleep apnoea (i presume his GP had given assurance) but the DVLA noticed there had been a 2nd medical issue in the past, when my father suffered a one off mini stroke 3 years prior. That condition had long been resolved via an operation (on his brain of all places, it was a scary time, but he came through unscathed) and he's never had an issue since. We were able to respond to that query very promptly (within the 14 days) and the next communication was the licence being granted 2 months later. DVLA have been very slow in responding every step of the way.  I realise by not disclosing the mini stroke at the time, and again on renewal (had I known I'd have encouraged it) he was potentially committing an offence, however that is not relevant to the current charge being levied, which is that he was unable to rely on s88 because of a current medical issue (not one that had been resolved). I could be wrong, I'm not a legal expert! The letter is a summons I believe because its a speeding offence (59 in a temp roadworks 50 limit on the A1, ironically whist driving up to visit me). We pleaded guilty to the speeding but not guilty to the s87.  DVLA always confirmed to me on the phone that the licence had not been revoked and that he "May" be able to continue to drive. They also confirmed in writing, but the letter explains the DVLA offer no opinion on the matter and that its up to the driver to seek legal advice. I'll take the advice to contact DVLA medical group. I'm going to contact the GP to make sure they received the SAR request for data, and make it clear we need to see a copy of the opinion letter. In terms of whether to continue to fight this, or to continue with the defence, do we have any idea of the potential consequences of either option? Thanks all
    • stopping payments until a DN arrives does not equal automatic sale to a DCA...if you resume payments after the DN.  
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Cabot financial with littlewoods barclaycard credit card help please


chik68
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Hi, im kinda new to this so please bare with me.

 

Im looking for some help and advice in regards to a credit card a relative of mine took out from Littlewoods which was financed by Barclaycard. The account went into default years ago after the relative's income was reduced due to a cut in her employment hours at work. Since then the debt has been passed through to several debt collection agencys and is currently with Cabot financial. Through them a payment plan is set up, although there has been continual interest added to the debt which is now increased to more than twice the original value.

 

Recently i had tried to reduce the debt for this relative by using a no win no fee agency that can claim back credit card charges and interest charges. They won for her nearly £500 back. However when we were trying to process the claim for her the no win no fee agency sent a letter back saying we had said an incorrect reference number. This number had been taken directly from a Cabot statement as we expected it to be correct for the debt she was paying. But we were told it was wrong, so the relative dug out an old copy of a credit card statement and took the credit card number from there. Cabot had been quoting a 13 digit reference number not the 16 digit credit card number. I know most debt collection agencys use the actual credit card reference number usually as well as there own reference number.

 

So is this legal for Cabot to be claiming repayments for an incorrect reference number? Also the relative had payment protection on this credit card and we are as yet to find a bill for it but we suspect the reference number they are using is the payment protection reference number.

 

Although Barclaycard wrote to the no win fee agency to say that they would 'credit the account with the money for charges, Cabot has yet to contact the relative to notify her that the balance has been reduced. Instead they sent a letter which made me laugh, saying that they had received recent confirmation that she lived at this address and that the debt was in arrears and she needed to phone them. This is in spite of the fact that she has been on a repayment plan for 2 years which she has been paying on time. when phoned on friday on my relatives behalf they would not speak to me, when asked to speak to the relative i told them the saturday around 12pm would be a good time to call and they said they would phone back. But the did not call us back.

 

Can we dispute this account? Is it legal to be paying for a debt under an incorrect reference number? Surely if we tried doing that it would be fraudulent? Barclaycard have already accepted they were in the wrong for the credit card charges can we get this debt written off? My relative is nearly 60 has other debts there is no way she will have them paid off before she goes on her pension as she is in a low paying job, has no qualifications and she spent the best part of 20 years bringing up children and not working. The stress of it all over the past 5 years have lead to chronic depression with several months off on the sick.

 

Please if anyone could offer some help or advice it would be greatly appreciated thank you

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urmm.....

 

me thinks cabot has had her as a cash-cow

 

nothing unusual there!!!

 

firstly NEVER EVER talk to a DCA on the phone about Debts - they will fleece you lind - then deny everything

 

IN WRITING ONLY.

 

now

i think you need to SAR BC and lets getthe truth on all this

 

and that charges reclaim 'seems' low and YES get that PPI back. too!!

 

dump the NWNF lot too they fleece you as well.

 

can we have a few dates on the history too please

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi thanks for the reply

 

If i SAR BC do i do it for the 'real' account number or the fake one that cabot are using?

 

Which dates do you want? the account went into default 2004, was passed from mercers to cabot!

 

the no win no fee thing was just an attempt to try and shake them up didnt expect to get any result!

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i would be sending it on the behalf of my mum, who unfortunately for me has the same name and we live in the same house. would it therefore be better just to send a postal order? i am hoping to get this letter sent off in the morning.

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ok thank you. also the reference number the debt collection agency cabot, are using to make my mum pay back the debt is not the actual credit card number. do i then state the actual credit card reference to barclaycard on the SAR? or the one cabot is using? i dont know where this other number comes from as Cabot also have their 'own' reference number on the letters. thanks

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The Credit Card Number would be fine.

 

ok thank you. also the reference number the debt collection agency cabot, are using to make my mum pay back the debt is not the actual credit card number. do i then state the actual credit card reference to barclaycard on the SAR? or the one cabot is using? i dont know where this other number comes from as Cabot also have their 'own' reference number on the letters. thanks
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threads merged

 

please keep to ONE thread per debt...

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi Chik,

 

Can you confirm how much was paid back in penalty charges. Was any interest paid on top. How much did the Reclaim Co take as a fee.

 

You can't get the debt written off because Cabot used an incorrect ref. no.

 

Have you ever asked that they stop adding on interest. It may be worth doing so. See letters here - http://www.consumeractiongroup.co.uk/forum/content.php?590-Creditors-and-DCAs-Letter-Templates-Budget-Planner

 

Get the SAR sent off and reclaim the PPI yourself. That way, you can try to maximise what you get back with regard to interest and you won't have to pay someone to do it for you.

 

:-)

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